Forgivable loan
HOMEownership Down Payment Assistance Program (VHCDC)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Suffolk County
Buying a home in Suffolk, VA
4 Suffolk programs and 6 statewide.Suffolk has 4 programs of its own, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Suffolk addresses
Suffolk’s own programs
Forgivable loan
City of Suffolk HOME Downpayment and Closing Cost Assistance Program
First-time homebuyers · Income limits · Single Family · Townhouse · Manufactured
Down-payment assistance
Virginia Individual Development Account (VIDA) Program (VHCDC)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Deferred second loan
HOME Downpayment and Closing Cost Assistance
First-time homebuyers · Income limits · Single-family detached, townhomes, condos (must meet HUD HQS)
The Suffolk marketThe Suffolk housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Suffolk
- 72.2% single-familysingle-family
- 7.3% townhousetownhouse
- 4.4% 2–4 units2–4 units
- 13.8% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
Condos count. 3 of Suffolk’s 4 local and county programs accept condos. City of Suffolk HOME Downpayment and Closing Cost Assistance Program lists single family, townhouse and manufactured.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Suffolk’s homes were built
pre-19401970s2020+
32.3%
of Suffolk homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$92,666
Suffolk median household incomeMedian household income in Suffolk (Census, 2024)
Programs that publish an income limit usually set it as a share of Suffolk County’s area median income, adjusted for household size. See the published limits for Suffolk County
Free help nearbyFree help near Suffolk
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Virginia and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Suffolk questions
Does Suffolk have its own down payment program?
Yes, 4: HOMEownership Down Payment Assistance Program (VHCDC), City of Suffolk HOME Downpayment and Closing Cost Assistance Program, Virginia Individual Development Account (VIDA) Program (VHCDC) and HOME Downpayment and Closing Cost Assistance. Each is for homes inside Suffolk.
Can I use assistance on a condo in Suffolk?
3 of Suffolk’s 4 local and county programs accept condos. City of Suffolk HOME Downpayment and Closing Cost Assistance Program lists single family, townhouse and manufactured. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Suffolk County?
Each program sets its own. Most published limits are a share of HUD’s area median income for Suffolk County, adjusted for household size. The published limits page lists each program’s limit.
Where can I take a homebuyer class near Suffolk?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Suffolk. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
23432 · 23433 · 23434 · 23435 · 23436 · 23437 · 23438 · 23439
Nearby in Suffolk
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.